Cathy Moran, Esq.

Head of Moran Law Group

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Biography

Cathy Moran has headed her own small firm Moran Law Group in Redwood City, California, for over 40 years. Family law and tax issues as they play out in bankruptcy are areas of particular interest to Cathy.

Articles by Cathy Moran, Esq.

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Tales from the Trenches – Filing Bankruptcy Is All About the Future

May 3, 2026
“We often first encounter prospective clients when a creditor has posed a threat to take something from them, here and now.” But what about six months from now? A year? What does the stress do over time?
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Getting Paid for All Your Work Even Post Discharge

March 29, 2026
Tired of eating fees at the end of a Chapter 13 when the debtor/client gets a discharge and you get to write off the time you spent in excess of the approved fee? Meet the Bingham Provision!
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Borrowing Time from Rule 4004

March 22, 2026
Some of Attorney Moran’s very best practice tips come right off the corner of her desk - that case which required extra creativity or, perhaps, extra time before discharge. But do debtors have any power over that timing?
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How to Avoid Bankruptcy Blunders

March 1, 2026
“If word of mouth from happy clients is the world’s best advertising for a bankruptcy lawyer, loud complaints from unhappy clients in the internet age are professional poison.”
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The Means Test Allows Health Care Before Creditors

February 15, 2026
Health insurance is an allowable means test deduction, even if the debtor doesn’t currently have health insurance.
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The Mystery of the Disappearing Means Test Deduction

January 28, 2026
Just when you thought you figured out the means test, a debtor throws you a curveball. Like the Naked City, there are eight million means test stories out there. This is one of them. I was reviewing a petition that a young lawyer I mentor was prepared to file. The debtor is recently married and he and his bride each make...
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Unpacking the Contingent SBA Guarantee

December 21, 2025
“The personal guarantee of an SBA loan to a non-debtor borrower who is then current is a contingent liability for purposes of Chapter 13 debt limits. . . . Intrigued, I dug deeper. And got more befuddled as I went.” See Also: The Guaranty That Got Away from the SBA
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Listening is a Bankruptcy Lawyer’s Superpower

December 14, 2025
“Listening is the first principle of civility and the essence of our adversarial judicial system as Judge Scott Clarkson reminded us here. . . . Yet the temptation is for you as the attorney to talk and the client to listen.”
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The Neglected Non-dischargeability Provision

December 7, 2025
CATHY’S BACK!! CATHY’S BACK!!!!! After a brief absence, we are pleased as punch to have Cathy Moran back in our author rotation. Welcome back, Cathy. You have been missed. Hands up, everyone who has encountered a claim that a debt is non-dischargeable by reason of §523(a)(14). So, what’s this about credit cards and taxes?
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When the Biggest Battle Is Beating 341 Anxiety

August 17, 2025
More than the title implies, this piece offers real-world pointers on preparing clients for their Meeting of Creditors – both legal and emotional. “My rules for those testifying under oath are simple: . . . If I start talking, you stop talking.”
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Webinars by Cathy Moran, Esq.

The Means Test Part 1 of 2 Income

March 28, 2024
Join experts* Cathy Moran and Jill Michaux for a 90-minute discussion on cutting through the quirks and quagmire of utilizing...
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